Retirement funding advice is investment advice for the purpose of creating a lump sum large enough to provide income for our clients and any of their dependants after the client has retired. When most market participants think of retirement income funding, they think of superannuation. During your pre-retirement years, wealth accumulation and superannuation suddenly becomes your major focus as retirement is just around the corner and you are positioning yourself for the retirement lifestyle you want to achieve.

Retirement funding is not limited to superannuation alone and our advisers are skilled in exploring all the options open to our clients to provide retirement income.

Retirement income advice is about maximising income from client’s assets. This income is obtained from an investment portfolio. It could also include structuring a client’s assets and income to obtain government benefits, if they are available.

Planning when to retire, and if the process will happen in stages or all at once, is a vital consideration in your overall retirement strategy. Clients may start thinking about retirement as early as their 40\'s, while some clients may not retire until into their 70\'s. We have provided a Retirement Calculator to assist you will this decision, however a consultation with a Quadrant adviser is vital when you want to start the process as many elements need to be considered. Financial planning at this stage of life is about maximising investments, balancing risk and return, contributing additional money to superannuation and reviewing risk insurance needs. Also, taking advantage of the Government’s transition to retirement rules is an ideal way to the next phase of life and Quadrant advisers are best placed to assist with this.

Whatever your plans, maximising your retirement savings is essential, and the way you structure your finances can greatly affect your overall retirement income.

Aged Care

We work with clients to help navigate the complex area of aged care services and benefits to make sure they or their loved ones receive the care they need during the later years of life.

Neil Evans Financial Services Pty Ltd ATF Neil Evans Discretionary Family Trust (CAR No. 343738), Quadrant Securities Wodonga Pty Ltd ATF QS Wodonga Unit Trust (CAR No. 434366) and Trent Crothers Financial Services Pty Ltd ATF Trent Crothers Family Trust (CAR No. 343735), are Trading as Quadrant Financial Planning and are Corporate Authorised Representatives of Capstone Financial Planning Pty Ltd. ABN 24 093 733 969. Australian Financial Services Licence No. 223135.